Home Budget Tracker - helps you manage day to day spending. Use it to input receipts, track account balances, stick to your budget, and reconcile statements. Designed to be used by individuals and couples on the go at any stage of life.

Income Spending Simulator - projects the course of your financial life. It is useful when considering career changes, major lifestyle choices and retirement (how soon and how wealthy). For numbers oriented people it can be fun to play with as it is designed to be open-ended. The compare mode shows you what a specific change would have on cash flow, asset appreciation, and ending net worth.

Our calculators have been updated with 2017 data for CPI, S&P 500, bond, and cash returns.

2017 raw numbers:

The CPI (consumer price index) increased by 2.1%.

The S&P 500 had a 21.64% return.

The 90-day T bill had a 1.39% return (which we consider as the cash return in our retirement calculators).

10 year Treasury Bonds had a 2.80% return.

2017 was a great year for US stocks. The 90-day T Bill return ticked above 1% for the first time since 2008. Bond returns are tame, likely because of small rate hikes by the fed and the expectation there are more to come.

Our retirement calculators use backtesting based on historical data sine 1928. Even though 2017 was an excellent year in term of stock returns, it really didn't move the overall needle that much. When running a Nest Egg Simulation with default inputs the average resulting balance only went up by $10k (a piddly 0.19%). The default settings are to retire with $1M (invested 70% stocks, 30% bonds), with an initial withdrawal amount of $40,000 that gets adjusted by the CPI every year, and to let it run for 30 years. This is yet another piece of evidence that supports the idea of long term investing.